REAL ESTATE INVESTOR FINANCING

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    No Minimum DSCR + Lower Early Payment

    10 Years Interest Only. Then 20 Years Amortizing. 30 Years Total.

    A 30-year total term with interest-only payments for the first 10 years, then principal + interest amortized over the final 20 years — combined with no-minimum-DSCR underwriting. For investors who need both flexible DSCR qualification and lower early monthly payments.

    Program Details

    Structure
    30-year total term: years 1–10 interest only, years 11–30 principal + interest amortized over the final 20 years
    Maximum Leverage
    Up to approximately 80% LTV purchase / rate-term; up to approximately 75% cash-out
    Minimum DSCR
    No minimum DSCR options
    Credit Profile
    Approximately 640 minimum
    Qualification
    No traditional debt-to-income qualification
    Rental Types
    Long-term, mid-term, short-term
    Occupancy
    Vacancy allowed on purchase
    STR History
    Not required on qualifying transactions
    Property Units
    1–10 units
    Loan Range
    Approximately $100K–$3.5M+
    Blanket / Portfolio
    Up to approximately $5M

    Maximum leverage and actual terms depend on the borrower, property, transaction, state, and applicable capital source. Core program terms are shown below; alternative financing options may be available for transactions outside these parameters.

    Who This Program Is For

    • Investors needing both flexible DSCR underwriting and lower early monthly payments
    • Weak-cash-flow rentals
    • Properties that do not fit the 0.75x core DSCR requirement
    • Investors planning to refinance or sell within approximately the first 10 years
    • Investors prioritizing near-term cash flow over immediate principal paydown

    Amortization Structure

    This is not the same as the 40-year structure. This is a 30-year total term: years 1–10 interest only, then years 11–30 principal + interest amortized over the final 20 years. The 40-year structure amortizes over 30 years after the IO period; this structure amortizes over 20 years, so the payment after year 10 is generally higher than a comparable 30-year-amortization transition.

    Why Combine Flexible DSCR With Interest Only

    This structure combines no-minimum-DSCR underwriting with a lower early scheduled payment. The interest-only period reduces the qualifying payment during the first 10 years, which helps weak-cash-flow rentals that also do not fit a traditional DSCR floor. See the Flexible 30-Year Fixed page for the no-minimum-DSCR education and the 30-Year Fixed page for how DSCR is calculated.

    Other Rate Structures

    Other rate structures, including certain adjustable-rate options, may be available depending on the transaction. Green Fire currently presents four primary DSCR products; this note is not a fifth main product.

    Learn How This Works

    Read the educational guide for a deeper, plain-English walkthrough of the mechanics, money flow, and tradeoffs.

    Read the Guide

    Frequently Asked Questions

    Run the Numbers

    Estimate leverage, payments, or coverage before submitting your deal. Illustrative program calculation only — not an approval, offer, or financing terms.

    Open Calculator

    Investment and business-purpose transactions only. No owner-occupied consumer financing. Programs, eligibility, leverage, rates, fees, terms, timelines, and availability vary by property, location, borrower qualifications, documentation, and deal structure. All financing is subject to underwriting and final approval. Green Fire Strategies does not guarantee approval, terms, closing, or funding.

    Ready to submit a flexible 30-year dscr (10-year io + 20-year amortization) deal?

    Submit once. We'll review the transaction and identify potential financing paths.